🌍 ClimateRiskCheck

Natural Disaster Risk in Madison

North Carolina

6.4out of 10
High Risk

Risk Summary for Madison

Madison scores 6.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Ice Storm Lightning

All 18 Hazard Scores

Hurricane
8.6
Ice Storm
8.5
Lightning
7.8
Strong Wind
7.7
Winter Weather
7.5
Earthquake
7.2
Drought
7.0
Landslide
6.8
Hail
6.7
Tornado
6.2
Extreme Heat
6.1
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Cold Wave
4.8
Avalanche
4.5
Wildfire
3.3
Riverine Flooding
1.0

How it compares

Madison
6.4
North Carolina avg.
6.2
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Madison, North Carolina

Madison, in Rockingham County, is a city of approximately 12,537 residents situated along the mid-Atlantic coast. Its humid subtropical climate brings hot, humid summers and four distinct seasons, and in particular a hurricane and tropical storm season affecting the coast. These conditions collectively define the natural hazard environment that Madison residents and property owners must navigate.

Madison's overall natural disaster risk is rated 6.4/10 (High) by FEMA's National Risk Index. Tropical cyclones are the dominant hazard, with the area facing threats from both direct landfalling hurricanes and the outer rain bands and storm surge of systems making landfall nearby. Secondary hazards include ice storm and lightning.

Within North Carolina, Madison's risk is, near the 6.2/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Rockingham County identifies hurricane as the foremost hazard, followed by ice storm and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Madison's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Madison: Hurricane preparedness

  • Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
  • Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
  • Know your evacuation zone and route before hurricane season begins each June.

Local Factors for Madison

These city-level factors differentiate Madison from other communities in Rockingham County and provide geographic context for its hazard exposure.

Population

12,537

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 36.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 3.3/10

Coordinates

36.3771Β° N, 79.9715Β° W

Rockingham County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Madison

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Madison

Other cities in North Carolina

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.